Insurance Refer a Friend Promotion
Terms and Conditions

• No cash alternative is available
• Insurance is subject to acceptable underwriting criteria
• Arborisk reserve the right to feature the name of the prize winners in future promotions
• Promotion is for UK residents only
• Offer can be withdrawn at any time
• Offer is not valid if either the referred policy or referrers policy is cancelled or voided
• Promotional payment will be made within 60 days of inception of referred policy to the original payment method of the person making the referral subject to both the referral and referred persons policies must be live and premium payments must be settled. If the live policy is in arrears or on finance, a credit of £100 will be applied towards the arrears instead of cashback.
• This offer applies to motor or tradesman package policies set up through Arborisk
• Existing customers can only refer and cannot be referred
• There is no limit to the number of referrals
• Offer applies to direct clients only and does not apply to third parties such as agents or appointed representatives.

General Terms and Conditions

1. These rules and any other rules specified by Bartlett Group or any of its group of companies (the “Company”) from time to time (“Promotion Rules”) apply to any Promotion which is run by or on behalf of the Company (“Promotion”). By taking part in a Promotion, you agree to be bound by the Promotion Rules and by the decisions of the Company which are final in all matters relating to the Promotion. The Company reserves the right to disqualify any entrant and/or winner in its absolute discretion for any reason and without notice in accordance with the Promotion rules.
2. All entries must be received at the place specified during the period in which the offer is open and late or incomplete entries will not be counted. Proof of posting (if relevant) shall not be deemed proof of delivery. No responsibility can be accepted for entries which are lost, delayed, misdirected or corrupted during delivery to the place specified for any reason whatsoever.
3. Entries must be submitted by an individual (not via any agency or similar) and, unless otherwise stated, are limited to one per household. Prizes may be provided by a third party sponsor of the Promotion. The Company reserves the right in its sole discretion to substitute any prize with cash or a prize or voucher of comparable value.
4. The winning entry will be that which has met the entry criteria and which most closely meets the Offer criteria specified.
5. Unless otherwise stated, each Offer is open to all GB residents of 18 years and over, except employees of: (a) the Company; and (b) any third party appointed by the Company to organise and/or manage the Offer; and (c) the Offer sponsor(s).
6. By entering a Offer you:
   a. grant the Company, any third parties appointed by the Company for the purpose of organising and/or managing the Offer and the Offer sponsor(s) permission to use your name and likeness for the purpose of organising and/or managing the Offer, for announcing the winner of the Offer and for related promotional purposes; and
   b. grant the Company and any Offer sponsor(s) the right to use your personal information to send you information about their respective products and services which may be of interest to you. If you do not wish to receive this information, please follow the instructions given.
   c. accept that all entries will become the property of the Company upon receipt and will not be returned. You will retain all rights you have in the copyright and other intellectual property rights comprising the Offer entry but, by entering the Offer, you grant the Company and its licensees the right free of charge to republish your Offer entry;
   d. waive any moral rights or similar rights you have in your Offer entry whether such rights arise pursuant to the Copyright, Designs and Patent Act 1988 (the “Act”) or equivalent legislation anywhere in the world; and
   e. warrant to the Company that the Offer entry is wholly original to you and not wholly or substantially copied from any other material and that the Offer entry does not defame, cause injury to or invade the privacy of or otherwise infringe or violate any statutory, common law, regulatory or intellectual property rights of any third party.
7. If you are entrant/winner, you may have to provide additional information (including, without limitation, proof of age or identity) and/or complete additional documents and return them to the Company within a specified period. Failure to provide additional information and/or complete additional documents within the required time period, or notification returned as undeliverable as addressed will result in your disqualification as a winner and an alternative winner will be selected.
8. The name(s) of the entrant/winner(s) and details of the winning entry or entries will be sent to anyone who requests the same within three (3) months of the closing date of the Offer. Requests should be sent to the postal or email address for offer entries and, if postal, should be accompanied by an SAE.
9. If you are a winner of an Offer:
   a. the receipt by you of any prize/voucher is conditional upon you complying with any and all applicable laws, rules and regulations including, without limitation, the Offer Rules;
   b. you acknowledge and agree that neither the Company or any Offer sponsor(s) or any of their employees, agents or subcontractors shall have any liability to you whatsoever in connection with your use and/or possession of your prize, provided that nothing in these Offer Rules shall exclude or limit the liability of any party for personal injury or death caused by negligence or for anything else which cannot be excluded or limited by law.
10. Unless otherwise stated, the Company is the promoter of the Offer.
11. If any of these rules are deemed to be illegal, invalid or otherwise unenforceable, the affected rules shall be deleted from these Offer Rules but the remaining rules shall continue in full force and effect.
12. These Offer Rules and each Offer are governed by English law. Any disputes arising between the Company and any third party in relation to these Offer Rules and/or a Offer shall be subject to the exclusive jurisdiction of the courts of England and Wales (save that the Company shall be entitled to take action against a third party in any other jurisdiction).